When Obama was elected president, most of America was anticipating his universal healthcare plan. When the actual implementation of that plan looked as though it would be blocked though, many worried that he would be unable to deliver on his promise. Luckily, Congress decided to uphold most of what has become known as “Obamacare,” and Americans in desperate need of affordable healthcare are celebrating.

According to the US Census of 2010, 49.9 million Americans were without healthcare and that number was on the rise. Experts say this is in part due to the rise in unemployment and poverty, but also the weak economy causing businesses to cut back on expenses. By 2014 though, all that will change. Because the Supreme Court decided that Obamacare is indeed constitutional, more than 300,000 children who have pre-existing conditions will now find health insurance coverage. That means that being sick will no longer prevent them or anyone else from getting the care they need to treat their sickness. Additionally, kids will be able to remain on their parent’s health insurance plan until they turn 26, saving families a lot more money in the long run since they won’t have to pay for separate care. Preventative healthcare benefits like mammograms will also be covered without copays, hopefully encouraging more people to take these precautions to catch issues before they became bigger and more expensive health concerns.

Obviously not everyone is happy about the recent ruling, but as healthcare improves, I think all Americans will appreciate the improved health of our nation in the coming years. Personally, both as a mother and a physician, I am thankful that the Supreme Court has finally ruled on behalf of the people.

The debate over health insurance has certainly been heated over the past few years, and most of those arguments stemmed from concerns over financing and constitutional rights. More recently though, it seems they have decided to narrow their focus to something a little more personal for women, and that’s contraception. Although employers rarely want to know what you’re using your health insurance for due to privacy concerns, some would like to prevent their female employees from using their insurance for birth control.

The arguments behind this have been few. Some claim that cutting birth control out of their health insurance plans would save money. While this is somewhat true, in the grand scheme of things, it’s a bit ridiculous. Birth control is easy to produce and access, and with so many competing contraception options and companies, the price is affordable. Additionally, when female employees take birth control, they prevent pregnancies, which are much more costly for health insurance plans in the way of prenatal check-ups, hospital stays, maternity leave, and eventually, another family member to add to the plan. In the long run, employers would actually save money by giving their employees access to contraception.

Money isn’t the only argument though. There are religious organizations that don’t want to provide birth control to their employees out of religious, or moral, concerns. Although the foundation of their organization stems from a particular religion, they employ people who are not necessarily a part of that faith. There are religious hospitals, private schools, and nonprofit organizations for example, who have hundreds of staff members from all walks of life. They feel that they have a right to impose their moral judgment on all of their employees. If they must abide by the same antidiscrimination laws that prevent them from firing someone because of their religion, race, or sexual orientation, then why should they be allowed to discriminate when it comes to health insurance?

Obviously, as a physician, I believe that the gift of life is precious. That’s also why I believe though, that women need to be ready to receive that gift. It takes a huge commitment to raise a child, and even more to develop that child into an intelligent, caring, and well-balanced person. Our jobs are there to give us the opportunity to provide for our families, both in terms of money and health insurance and in terms of allowing a woman, mother or not, to feel as if she is self-sufficient, contributing and using the talents that she has developed over a lifetime. Mothers especially need an outlet other than their children. Our jobs have no right to decide when we start that family though and by no means do they have the authority to judge the morality of our decisions.

One of the biggest changes in health care that comes as a result of last year’s vote to institute health care reform, hasn’t begun to take shape yet. This is the inception of the “Health Care Exchange” marketplaces – due to take effect by January 2014. And once the health care exchanges get rolling, we’ll finally see the full impact of health care reform.

But what is a Health Care Exchange, exactly, and how will it affect you? Think of it as a health insurance “store,” where individuals and small businesses get to choose the best policies for their needs. Only those insurers that meet certain requirements will be allowed to sell their policies in this “store.” For example, each insurer will have to offer plans with certain “essential benefits” and will not be able to deny coverage to those with pre-existing conditions, nor will they be able to exclude coverage for benefits that such people need. Most states will run their own Health Care Exchanges but some might opt to partner with neighboring states, while others might let the federal government run their exchanges.

A big question everyone wants answered: will insurance sold on the Health Care Exchanges be affordable? Here is where health care reform shows its muscle. Insurers, under the health care law, must pay out from 80 to 85 percent of premiums for health care costs. And, according to this article in the Washington Post:

People who make less than 133 percent of the federal poverty level, $14,484 this year, will qualify for Medicaid in all states, under the law. Above that, sliding-scale subsidies for private insurance on the exchanges will be available for residents who make up to 400 percent of the poverty level, about $43,560 this year. Most people will be required to have coverage of some sort beginning in 2014.

But probably the best cost controls come from the transparency of the Health Care Exchange system, because consumers and small businesses will be able compare one policy to another in terms of cost, coverage, deductibles, and exclusions, before they buy. And maybe – just maybe – that will bring health insurance costs in the U.S. more in line with other developed countries where people typically get much better coverage at much lower cost.

As you might already know, I’m a staunch advocate for access to health care, and cheered when health care reform became the law last year. We need the opportunity to stay well and keep our families well, and we need to be able to afford medical care when things go wrong. As a mother and a physician, I’ve seen firsthand how imperative this is.

There are those who say we should repeal the recent landmark health care reforms that Congress passed last year. But that would mean that some people would be shut out of health care completely. Some seem to believe it’s just those who are too poor to afford health insurance, or who can afford it but choose not to buy it, who go without. Those are faulty assumptions, as this op ed by the co-founder of Palm Computer, who was denied insurance before the new law passed, shows:

It never occurred to me that we would be denied! Yes, we had listed a bunch of minor ailments, but nothing serious. No cancer, no chronic diseases like asthma or diabetes, no hospital stays.

Why were we denied? What were these pre-existing conditions that put us into high-risk categories? For me, it was a corn on my toe for which my podiatrist had recommended an in-office procedure. My daughter was denied because she takes regular medication for a common teenage issue. My husband was denied because his ophthalmologist had identified a slow-growing cataract. Basically, if there is any possible procedure in your future, insurers will deny you.

If a woman with $millions couldn’t get approved because of a corn on her toe, what would happen to the average woman, or a child, with a more serious issue if health care reform were repealed?

We need to keep ourselves informed about what’s really at stake. And, trust me, there’s a great deal at stake. If health care reform is repealed, we go back to the days when life-saving care is denied to people who can’t pay the costs—oftentimes, hundreds of thousands of dollars—out-of-pocket. We go back to seeing our kids kicked off our policies when they’re just out of high school and don’t yet have jobs that offer health insurance. We go back to denials for pre-existing conditions as tiny—and ludicrous—as a corn on the toe. Or acne. Or depression. Nevermind more serious illnesses.

We can’t go back. Look at how far we’ve come. Please, be as informed as possible about your new rights under health care reform. You can find most of the information you need at this website set up by the government to guide you through your options and your rights.

Insurance companies can no longer cap the dollar amount of lifetime benefits available to you for essential medical care.

You now have a right to appeal to an outside authority if your insurer denies a claim.

Your adult children can stay on your health insurance policy up to the age of 26.

One thing the above should tell you: you’ve lost your last excuse for putting off that mammogram (make an appointment today, if you haven’t yet).

These changes are hugely valuable – but most people don’t yet know about them.

And the above are just the beginning. The Kaiser Family Foundation has one of the most comprehensive explanations I’ve seen of just how healthcare reform is likely to affect you and your family. And while you’re at the website, check out the animated video for an entertaining, thorough explanation of your expanded rights under the new legislation. It covers just about every question you might have.

After all the hoopla, once healthcare reform was signed into law earlier this year, it didn’t immediately seem like much had changed. Most of the provisions of the new healthcare bill aren’t slated to take effect for a few years yet.

But there’s one provision, an all-important one for people who have been denied health insurance in the past, that could be a lifesaver.

And it takes effect this summer.

You can now get health insurance – good comprehensive coverage – if you’ve previously been turned down due to a pre-existing condition. Your new insurance will cover that pre-existing condition along with your other medical needs. Perhaps best of all, according to law, the premiums for this insurance must be affordable. You should pay about what anyone else your age pays, regardless of health.

“You’re going to see rate increases of 20, 25, 30 percent” for individual health policies in the near term, Sandy Praeger, chairwoman of the health insurance and managed care committee for the National Association of Insurance Commissioners, predicted Friday.

But you might think that this has nothing to do with you if you’re employed by a company that provides you with health insurance. Unfortunately, all of us are affected, no matter where we get our insurance.

The Anthem-Blue Cross increase is the harbinger of things to come in employer-provided policies as well.

Last week, I heard from someone whose employer had to switch from a comprehensive policy to bare bones insurance because the insurer raised the company’s group rate by about 30 percent. So now, instead of offering employees a policy that covers just about anything, from a broken ankle to a liver transplant, the company will offer its employees a policy with an annual cap of just $25,000.

That’s employer-provided insurance that’s in danger now. And that means that more Americans are at risk of having either no insurance or inadequate insurance when a medical emergency strikes.

As a doctor, I am well aware of the high cost of medical care and can assure you that a policy with a $25,000 annual cap won’t cover much if you need hospitalization. I’ve dealt with that reality, not just as a physician, but as a mother. As I wrote on this blog before, when my daughter had to be hospitalized a few years ago, we learned too late that her school-provided policy had a $25,000 annual cap. Lucky for Kimmie that her parents are both doctors and could afford to pay the tens of thousands of dollars in hospital and medical bills that her insurance didn’t cover.

What would you do if one of your loved ones needed medical care and your insurance was inadequate?

This is no longer an issue for the uninsured. It’s an issue for us all. Please tell your Senators and Congressional representatives that you support health care reform. The life of someone you know, maybe someone you love, maybe your own, may depend on what happens next in Washington, DC.
– Yvonne S. Thornton, MD, MPH

First, I’ll quote a few of the points the president made and then I’ll explain why it matters to each of us, currently insured or not:

“The approach we’ve taken would protect every American from the worst practices of the insurance industry. It would give small businesses and uninsured Americans a chance to choose an affordable health care plan in a competitive market. It would require every insurance plan to cover preventive care.

“… It would reduce costs and premiums for millions of families and businesses. And according to the Congressional Budget Office – the independent organization that both parties have cited as the official scorekeeper for Congress – our approach would bring down the deficit by as much as $1 trillion over the next two decades.”

When the president spoke of the insurance companies “worst practices” he didn’t elaborate. But it’s those practices that make us all, insured or not, vulnerable, and in need of reform. Too many Americans believe that they have great health insurance – right up to the moment when they get sick and find that their insurance won’t cover their medical bills.

Recently, one of the organizations advocating on behalf of health care reform shared the case histories of numerous people who, although insured, were unable to get their medical bills paid when they got sick. The following few cases are among dozens of similar stories. If we don’t think it can happen to you, you’re wrong. I speak from experience. Although I’m a doctor, when my daughter became ill, her insurance refused to cover all her medical costs and I had to pay tens of thousands out of pocket.

An AT&T worker from Arkansas was in a coma for three weeks after a 2004 horseback riding accident. She and her husband had to pay more than $200,000 in medical bills because UnitedHealthcare wouldn’t cover her emergency surgery.

A Realtor from Delaware, has a health care plan that forces her to pay for her cancer care “out of pocket.” She has turned to getting her chemotherapy medication from India in order to afford it.

A minister from Tennessee has almost $175,000 in medical debt due to his wife’s muscular disorder. The family had health insurance through his wife’s job as an insurance claims adjuster, but the health insurance would only cover 14 days of her 91 days in intensive care.

Don’t let anyone tell you that if you’re insured, you don’t need to support health care reform. As the above cases illustrate, this affects us all. While there is no longer any chance of passing a new bill through the United States Senate, the House can vote for the Senate bill that passed over Christmas eve now and make changes over time. It may be our last chance for reform in a generation. Please call your Congressperson today and remind him or her what’s at stake.
– Yvonne S. Thornton, MD, MPH

The House had passed its version of health care reform months earlier. Now the two legislative bodies will have to come together and agree to a blended version.

That blended version almost certainly won’t have a public option because it would require 60 votes in the senate to get one. But here’s what we can be assured of getting in any final combination of the two bills:

Insurance companies will have to cover everyone – you can no longer be turned down due to pre-existing conditions.

Insurance can’t be snatched away from you via “rescission” when you get sick, i.e., voiding the policy when you need it the most.

There will be limits on how much more insurers can charge you as you get older.

Your insurance won’t run out when you need it due to annual or lifetime caps.

Most lower and middle-income people will get subsidies to help pay for insurance.

For those who say the senate bill doesn’t do enough, remember that getting this passed was a Herculean task. This is just the start of reform. Over the years, our lawmakers can continue to improve the bill, just as they’ve done with Social Security and Medicare. This is a long overdue beginning to regulating the health insurance companies, which have been given carte blanche for so many years.

The Centers for Disease Control recently reported that 58.4 million Americans were uninsured for at least part of the year and almost 32 million had been uninsured for more than a year. The situation will only get worse if we do nothing. As President Obama is fond of saying, we can’t let the perfect be the enemy of the good. This is a good bill. And it’s the best present that the U.S. Senate could give us this holiday season.

This past weekend, in the House of Representatives, our congressmen and congresswomen came together to pass a bi-partisan bill. In doing so, they took the first step toward ensuring that all Americans have access to health care when they need it.

* No more lifetime or annual caps on how much treatment health insurance will pay for. This is so very important for men, women and children with chronic illnesses, who often see their claims for care denied, just when they need it most.

* Adult children would be allowed to remain on their parents’ policies until age 27.

* Seniors on Medicare would pay less for prescriptions.

* And all would get a genuine choice of health insurance options, available from both health insurance companies and a government-administered plan (the public option).

None of us should have any illusions that this first step toward making health care affordable and available to all will make the next steps any easier. Powerful interests, particularly those of health insurance companies, will fight all that much more aggressively to prevent the senate from passing its own version of reform. Health insurers’ profits are as high as they are because they get to cherry-pick who they will and won’t cover; because they can refuse to provide care after someone has reached the annual or lifetime coverage cap; because they can call almost anything a “pre-existing condition.”

As a physician who has seen, firsthand, how the lack of health insurance can devastate families, I know that we must fight back aggressively against the special interests. We must become informed about the realities of health care reform and help our friends and families understand the difference between information and misinformation.

This opportunity to provide health care for all may not come again for many years if it doesn’t succeed now. And if it fails today, next time, the fight will be even harder and will stand less chance of success.

As a doctor, a woman, and a mother, I urge our senators, no matter their party affiliation, to stand with our families and help us protect them when they are most vulnerable. And I urge my readers to contact their senators and tell them that nothing is more precious than health – and nothing more important than passing reform so that families can get the help they need when they need it.